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Finder Score for pet insurance
We designed Finder Score to make comparing pet insurance easier, assessing more than 20 products for their price and features. Finder Score assigns each product a score out of 10.
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Why choose RSPCA Pet Insurance?
Cover you can tailor to your pet: With RSPCA Pet Insurance’s PetFlex cover, you can customise your pet’s policy to suit your needs and budget.
Wide range of annual limit options: RSPCA Pet Insurance allows you to select the right annual limit for your needs and budget, with options ranging between $5,000 to $35,000.
No sub-limits: Claim up to your chosen annual limit, with no tricky sub-limits to worry about.
Variety of excess options: You'll also have the flexibility to select your own excess, including a $0 excess option.
Your policy supports the RSPCA: Every policy contributes to the RSPCA’s animal welfare initiatives.
A wide range of optional extras: From dental illness to supportive therapies, RSPCA Pet Insurance offers a wide range of optional extras to boost your pet’s cover.
Have your vet submit claims for you: Direct2Vet (RSPCA Pet Insurance’s online claims portal for vet clinics) allows vets to submit claims for you. If your claim is approved, they pay your vet directly and you simply pay the gap between the invoice and what's covered by your policy.
What isn’t covered under RSCPA Pet Insurance?
Pre-existing conditions, unless an exception to this exclusion is approved by us after a pre-existing symptoms and conditions assessment as specified on your Certificate of Insurance.
Desexing
Brachycephalic Obstructive Airway Syndrome (BOAS), unless an assessment is completed and approved
Annual health exams/check-ups, vaccinations or microchipping (unless routine care cover has been added as an optional extra)
Please note that this is just a summary of what’s not covered. For the full list of exclusions, please refer to the RSPCA Pet Insurance PDS.
How to submit a claim
To submit a pet insurance claim with RSPCA Pet Insurance, you can either do it yourself or through Direct2Vet.
If you choose to do it yourself:
Log into customer portal: Sign into your account and click on ‘Submit a claim’.
Submit necessary documentation: Upload information relating to your claim, such as invoices, clinical notes, or any other supporting documents.
Save your claim number: Once your claim has been submitted, you’ll receive a claim number. Keep this somewhere safe, as it will be your reference for your claim.
Await a response: The RSPCA Pet Insurance team will be in touch with you shortly with a claim outcome, or if they need further information regarding your claim.
If the vet is submitting a claim on your behalf with Direct2Vet:
Prefer to have your claim submitted for you by your vet? Direct2Vet takes the stress out of making a claim. If your claim is approved, they'll pay your vet directly and you'll simply need to pay the gap between the invoice and what's covered by your policy.
Here’s how it works:
Your pet receives treatment at a participating vet clinic.
Your vet submits your claim through the Direct2Vet portal.
Your claim is assessed based on your policy’s terms and conditions.
If your claim is approved, RSPCA Pet Insurance pays your clinic directly for the covered amount.
You simply pay any remaining costs not covered by your policy.
FAQs
Yes, on 1 April 2026, the RSPCA entered into a new partnership with Pacific International Insurance. If you have an active RSPCA-branded pet insurance policy that started before 1 April 2026, this means your policy may no longer be contributing to the RSPCA. Fortunately, switching to a policy that does is simple, and the RSPCA can help you move to a policy that still contributes to RSPCA initiatives.
You can switch to comparable cover with the PetShield product or get a quote for the new, customisable PetFlex product. For more information about switching your policy, it's best to speak to the RSPCA Pet Insurance team directly on 1300 777 220.
RSPCA Pet Insurance policies include cover for illnesses, injuries, essential euthanasia and emergency boarding.
When it comes to adding extra cover, you have two options, depending on the product you select:
PetFlex product: You can add cover for things like dental illnesses, supportive therapies, behavioural conditions and routine care.
PPetShield product: You can add cover for routine care.
For more information, please refer to the RSPCA Pet Insurance PDS.
This isn’t an easy question to answer, as the cost of your pet insurance policy will depend on a range of factors, such as your pet’s breed, age, the level of cover you’re after and previous claims history. To get the best deal for your pet, it’s best to compare a few different quotes before selecting the right option for your pet.
Ceyda Erem is Finder’s senior writer for insurance and has almost 10 years of experience writing about personal finance. Formerly a copywriter for several business and finance clients, Ceyda has written hundreds of articles, guides, blogs and more to ensure Australians stay in the loop about how to best manage their money. She has a Bachelor of Arts, Majoring in Writing from Macquarie University.
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Finder guides across topics including:
How much is it for my dogs to get their teeth cleaned. Is it covered with this policy and what is the outlay for me. Thank you
JoelNovember 10, 2018
Hi Shelly,
Thanks for leaving a question on finder.
If you’d like to take out an increased level of cover for your furry friend, the routine care option may offer the protection you desire. Designed to promote responsible pet ownership, this benefit is designed to help you cover the cost of routine preventative healthcare treatments for your pet. This includes:
– $15 a year for heartworm test or blood screen
– FeLV/FIV test or urinalysis – $15 a year
– a $50 annual benefit for one of the following routine treatments: desexing, microchipping, preventative heartworm medication, teeth cleaning, vaccinations, dewclaw removal, council registration fees, prescription diets, alternative therapies, health checks.
Please send me a message if you need anything else. :)
Cheers,
Joel
RobertJuly 30, 2017
I have economy RSPCA cover, does it cover prescription medication? It pays 75% accident illness.
Finder
RenchJuly 31, 2017Finder
Hi Robert,
Thanks for reaching out to us. Please note that we are not affiliated with RSPCA Pet Insurance or any company we feature on our site and so we can only offer you general advice.
Yes, all plans with RSPCA Pet Insurance cover medicine and drugs. The only exclusion are medications that is not approved or listed by the APVMA (Australian Pesticides and Veterinary Medication Authority).
Cheers,
Rench
debbielgSeptember 18, 2016
Could you give me some monthly quotes on an insurance package for my 8 year old long haired domestic cat?
Thanks
Debbie
Finder
RichardSeptember 20, 2016Finder
Hi Debbie,
Thanks for your question. Finder is a comparison service and RSPCA is not part of the panel of pet insurance brands we have access to.
If you would like to compare the products from the brands in our panel, you can do so by heading to our pet insurance home page.
All the best,
Richard
paulAugust 6, 2016
i got a small dog call king charles but has anal gland want best insurance
Finder
RichardAugust 9, 2016Finder
Hi Paul,
Thanks for getting in touch. If you would like to review the cover options available from the pet insurance brands in our panel, please head over to our pet insurance homepage.
All the best,
Richard
BillJuly 7, 2016
Do the premiums increase with each year as/because the dog ages?
How long does it take for reimbursement?
Cheers Bill
Finder
RichardJuly 8, 2016Finder
Hi Bill,
Thanks for your question.
Your premiums will be set at the outset of the policy, and stated on your Certificate of Insurance. For information about the claims process, you should consult page 25 of the RSPCA Pet Insurance’s policy disclosure statement (PDS).
Find out what each of the 3 levels of pet insurance from Everyday covers.
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We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
How much is it for my dogs to get their teeth cleaned. Is it covered with this policy and what is the outlay for me. Thank you
Hi Shelly,
Thanks for leaving a question on finder.
If you’d like to take out an increased level of cover for your furry friend, the routine care option may offer the protection you desire. Designed to promote responsible pet ownership, this benefit is designed to help you cover the cost of routine preventative healthcare treatments for your pet. This includes:
– $15 a year for heartworm test or blood screen
– FeLV/FIV test or urinalysis – $15 a year
– a $50 annual benefit for one of the following routine treatments: desexing, microchipping, preventative heartworm medication, teeth cleaning, vaccinations, dewclaw removal, council registration fees, prescription diets, alternative therapies, health checks.
Please send me a message if you need anything else. :)
Cheers,
Joel
I have economy RSPCA cover, does it cover prescription medication? It pays 75% accident illness.
Hi Robert,
Thanks for reaching out to us. Please note that we are not affiliated with RSPCA Pet Insurance or any company we feature on our site and so we can only offer you general advice.
Yes, all plans with RSPCA Pet Insurance cover medicine and drugs. The only exclusion are medications that is not approved or listed by the APVMA (Australian Pesticides and Veterinary Medication Authority).
Cheers,
Rench
Could you give me some monthly quotes on an insurance package for my 8 year old long haired domestic cat?
Thanks
Debbie
Hi Debbie,
Thanks for your question. Finder is a comparison service and RSPCA is not part of the panel of pet insurance brands we have access to.
If you would like to compare the products from the brands in our panel, you can do so by heading to our pet insurance home page.
All the best,
Richard
i got a small dog call king charles but has anal gland want best insurance
Hi Paul,
Thanks for getting in touch. If you would like to review the cover options available from the pet insurance brands in our panel, please head over to our pet insurance homepage.
All the best,
Richard
Do the premiums increase with each year as/because the dog ages?
How long does it take for reimbursement?
Cheers Bill
Hi Bill,
Thanks for your question.
Your premiums will be set at the outset of the policy, and stated on your Certificate of Insurance. For information about the claims process, you should consult page 25 of the RSPCA Pet Insurance’s policy disclosure statement (PDS).
I hope this was helpful,
Richard